Credit Clear Limited
Credit Clear Limited Fundamental Analysis
Credit Clear Limited (CCR.AX) shows moderate financial fundamentals with a PE ratio of 19.44, profit margin of 10.11%, and ROE of 7.00%. The company generates $0.1B in annual revenue with strong year-over-year growth of 11.79%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 55.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CCR.AX's fundamental strength across five key dimensions:
Efficiency Score
WeakCCR.AX struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCCR.AX trades at attractive valuation levels.
Growth Score
ModerateCCR.AX shows steady but slowing expansion.
Financial Health Score
ExcellentCCR.AX maintains a strong and stable balance sheet.
Profitability Score
WeakCCR.AX struggles to sustain strong margins.
Key Financial Metrics
Is CCR.AX Expensive or Cheap?
P/E Ratio
CCR.AX trades at 19.44 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CCR.AX's PEG of 0.49 indicates potential undervaluation.
Price to Book
The market values Credit Clear Limited at 1.25 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 58.38 times EBITDA. This signals the market has high growth expectations.
How Well Does CCR.AX Make Money?
Net Profit Margin
For every $100 in sales, Credit Clear Limited keeps $10.11 as profit after all expenses.
Operating Margin
Core operations generate 3.49 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.00 in profit for every $100 of shareholder equity.
ROA
Credit Clear Limited generates $5.21 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Credit Clear Limited generates limited operating cash flow of $4.67M, signaling weaker underlying cash strength.
Free Cash Flow
Credit Clear Limited produces free cash flow of $4.24M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.01 in free cash annually.
FCF Yield
CCR.AX converts 3.73% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
19.44
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.49
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.25
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.14
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.08
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.73
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.05
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How CCR.AX Stacks Against Its Sector Peers
| Metric | CCR.AX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 19.44 | 34.84 | Better (Cheaper) |
| ROE | 7.00% | 1150.00% | Weak |
| Net Margin | 10.11% | -134414.00% (disorted) | Strong |
| Debt/Equity | 0.08 | 22.37 | Strong (Low Leverage) |
| Current Ratio | 2.73 | 5.74 | Strong Liquidity |
| ROA | 5.21% | -309070.00% (disorted) | Weak |
CCR.AX outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Credit Clear Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
269.29%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
142.11%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
234.36%
Industry Style: Growth, Innovation, High Beta
High Growth